Does Insurance Cover Vandalism to My Car?

Car insurance is an essential coverage to have. In fact, it’s illegal to drive your car without having insurance in many states. Car insurance will cover the physical damage to a car or the medical bills from injuries. However, not all policies will cover vandalism to your car.

This article will cover what car insurance policy you would need if you wanted protection from vandalism.

What’s Vandalism?

Car vandalism is intentionally damaging another person’s vehicle. Common examples include using a key to scratch the paint or spray painting the exterior. Good news is you may be able to restore the car through buffing and polish. However, the car may need to be repainted if the damage is extensive, which can be expensive.

Other examples include intentional damage to your windows, windshield, or headlights. Another would be if someone were to steal or slash the tires on your car. If this happened you would need to call a tow truck to take your vehicle to a repair shop.

As you can see, there’s many different types of vandalism. It’s important to check your policy or talk with your agent to see if you have coverage or not.

Which Car Insurance Policy Covers Vandalism?

It’s important to note that not all car insurance policies cover vandalism. If you want coverage you need a comprehensive coverage plan, which is usually available with full coverage car insurance policies. Not all states require you to have comprehensive coverage, but if you opt for car financing, the lending company or individual may require it.

It’s important to note that comprehensive coverage only covers the damage to the car and not your stolen items. Depending on what’s been stolen from your car, you will have to get in touch with the insurance company regarding coverage options. If you aren’t certain whether your car insurance policy includes comprehensive coverage, then you need to get in touch with your insurance agent.

Moreover, if you file an insurance claim for vandalism, you might have to pay a deductible before the insurance company pays for the damages. So, if your damage repair costs are closer to the deductible amount, then you can also opt to pay for the damages yourself.

If you choose to file an insurance claim, you will also need to file a police report and submit it to your insurance provider. Therefore, you will need to call the police, file a report, and then get in touch with your insurance provider. The car will likely be inspected for damages before the claim is processed. In any case, make sure to check if your insurance plan provides comprehensive coverage as soon as possible, so that you’re protected in every scenario.


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